Dalton O'Donnell at Cap One Lending, LLC

Mortgage Rates Rise Even with this week's decline, mortgage rates have increased more than a full percent over the last six months. Overall economic growth remains strong, but rising inflation is already impacting consumer sentiment, which has markedly declined in recent months. As we enter the spring homebuying season...

BIG ANNOUNCEMENT!
A1 Mortgage now offers a 5k closing date guarantee.
Meaning if you are purchasing a home and we can't close on your original closing date, we will give you 5k! *
In today's market you want a company that can close on your loan FAST!
If that can't happen then you deserve to be paid for your time and energy!
Message me today for more details!


*Terms and conditions apply
NMLS: 2069936

Signed Home Contracts Fall In January - A1 Mortgage Signed home contracts fell in January, as the number of homes available for sale remained low. Short supply continue to affect the market.

In respect to International Women's Day I wanted to create a very endearing post for woman that was genuine and authentic.
In my search, I found this famous quote online:
"Here's to strong women may we know them. May we be them. May we raise them. A strong woman is the one who can dare to raise her voice for the cause she believes in, and this strength lives in a corner in every women's heart, it just needs to be searched."
It reminded me of all the strong women in my life. This list includes, my wife, my mother, my grandmothers, my sister, my mother in law, my aunts and many many more.
It also reminded me of a story I recently heard about my grandmother.
When she attended College, she was the only woman in her class. With this, she got harassed, teased, insulted, and discriminated against every single day. However, she persevered and graduated with excellent grades.
She paved the path of being a strong woman who sticks up for themselves and pursues what they believe in without letting anyone stand in the way.
That, my friends, is a strong woman!
Be like Grandma O'Donnell, be a strong woman!
Happy International Women's Day!

How Much Is The Typical Down Payment? - A1 Mortgage The median down payment on single-family homes fell in the fourth quarter of 2021, dropping 1 percent to $26,000.

Was listening to a podcast with a top mortgage producer in the nation and he said something that really shocked me!
He said that if you are currently in a bankruptcy then you can't get pre approved to buy or refi.
Well that is just not true!
You can be in a Chapter 13 Bankruptcy as long as you have made at least 1 year of consecutive payments on time and can get the courts approval for the purchase/refi.
This program can truly be a blessing to so many people!
I just closed on one last month.
They needed cash out of their home to fix their roof.
It took longer than most loans but we got it done and now they are in the process of getting a brand new roof!
If you or anyone else you know is in a Ch. 13 BK and wants to buy a home or take equity out of their current home, please let them know I can help!


[email protected]
816.521.0969

Has anyone ever asked you what your favorite thing about your job is?
One of my favorite things about what I do is I can always go with my gut feeling.
For me, that is always doing the right thing.
Even if that means referring them to a competitor.
Even if that means telling them they should wait to get a new loan.
Even if that means taking ownership every step of the way when I could easily point the finger elsewhere.
All I want to do is be a blessing to others and make their situations better.
Whether I get paid for it or not, that is my passion, that is my calling, that is who I am.
Pay it forward, always.

Buyers, What To Look For When Buying - A1 Mortgage Prospective homeowners will wonder what to look for when buying their next or first home. It's important to consider several factors.

This was the other yard sign I had made. Which one do you like more!?!?

Just made my first yard sign for listings that I am featured on as the preferred lender. What are your thoughts!? I am always open for ideas/thoughts to improve it!

Well this program is pretty dang cool!
Don't even need to have a job. Just need to have a lot of assets!
See below for main qualifying factors.
This is just one of the many unique programs I offer to help people buy a home or convert their equity into cash!
Whether you want to get a loan or not, give me a call if you ever have any questions!
816.521.0969
[email protected]


Dalton James O'Donnell
A1 Mortgage

NMLS:2069936

We want to hear your real estate goals for 2022!

Are you hoping to buy a bigger home, make the leap and buy your first home, or maybe purchase your first investment property?

ATTENTION ALL SELF EMPLOYED PEOPLE!
If you don't think you can get approved to buy a home because you didn't show enough money on your taxes the last year or two, think again!
I have a great program that we can use to get you pre-approved to buy a home just as you would with a conventional pre-approval!
They take the last 12 months of deposits and average them out.
Doesn't matter what your withdrawals/expenses are as long as the deposits cover your liabilities reported on credit and total housing expense (new mortgage payment)
Just have to prove you have been in business for two years with a letter from your tax preparer or an articles of inc/organization!
Able to close in 30 days or less.
If interested, send me a DM or email at [email protected]

Dalton James O'Donnell
NMLS: 2069936

The main question I get asked when talking about the Freedom Loan is, "What is the rate?"
However, the more important question is “What is the total interest I will pay on the loan?”
Example: 30 yr. fixed rate mortgage with a balance of $300,000 and a rate of 3% will cost you approximately $155,332.82 in interest. This comes out to be roughly 51.78% Total Interest Percentage (TIP)!
This same loan amount at an average of 5.666% using a Freedom Loan would result in roughly $91,509 in interest and pay off your home in approximately 9.9 years compared to 30!
It's not what the rate it, it's how does the interest get calculated. The Freedom Loan pays principal first then calculates the interest off the new principal balance. Compared to amortizing the interest over 30 years like your traditional fixed rate mortgage does.
This feature alone is saving people 10's to 100's of thousands of dollars in interest.
As you can see, it’s not about the interest rate, it’s about the interest paid. The 30-yr. fixed mortgage above is a great rate but did you ever think that you would pay the bank double the amount financed?
Me neither, that's why I got the Freedom Loan for myself.
If you want to learn more about this product to see if it would be a good fit for you, shoot me an email or DM to schedule a time to talk. We can also run through a simulator to compare it to a new loan or an existing loan.



A1 Mortgage

NMLS: 2069936
A1 NMLS: 268370

Can you believe this guy asked if he can get a loan to buy a Dog House!?!?

Just wrote another pre approval for our 12 month bank statement program!
If you are self employed and don't show a lot of taxes but have strong deposits, this would be a great program for you!
Can use it to be investment properties, primary residences, and second residences/
If interested in knowing more, send me a DM

Only thing that is better than Pizza is getting you approved to buy a house!

If anyone would like a good overview explanation of the Freedom Loan I’ve been talking about recently, check out this video.

Freedom Loan Presentation Save tens of thousands and even hundreds of thousands in interest over the life of your mortgage with the Freedom Loan. Exclusively at A1 Mortgage. Contact o...

🚨ATTENTION ANYONE WITH A LOW INTEREST RATE🚨

You may think you have a really low rate.
You think you got the best loan product out there and you are set!
But year after year of making your monthly payment on time, you notice that you have hardly made a dent on your principal balance.
You look deeper into why and notice that most of your monthly payment is going towards interest!
You realize that your hard earned dollars are making these lender/banks rich!
At this rate, it’s going to take 15+ years before your monthly payment starts to pay more principal than interest every month.
You find that the amount of this interest equates to thousands and thousands of dollars going into a banks pocket rather than towards the equity of your home.
And the whole time you thought a 2.25% fixed rate mortgage was the best loan out there….


Now imagine the opposite.
Imagine every month you see most of your money going toward principal and not interest.
Imagine your 30 year mortgage is paid off in 10 years or less.
Imaging the feelings you’ll have in 10 years or less when your house is PAID FOR IN FULL!
Imagine the increase in net worth due to the thousands of dollars you saved on interest.
Imagine now having enough money and equity to buy that beach house or that house in the mountains of Colorado you’ve always wanted.
Imagine you were able to do all of this without making any more money or changing any of your spending habits….


This doesn’t have to be a fantasy.
There truly is a product out there that can achieve everything mentioned above and more.
It’s called the Freedom Loan.
Let me help you achieve the financial freedom you deserve.

816.521.0969

[email protected]




NMLS # 2069936